Side Affects 164 | Rethinking Workplace Benefits: Life, LTC and the Evolving Carrier Landscape

You’ve heard the buzzwords: accident, critical illness, hospital indemnity... but what do they actually mean? And why are they becoming such a critical part of today’s benefits strategy? As the workforce evolves, benefits are no longer just a line item -- they’re a strategic lever for attracting talent, managing risk and supporting an aging population. By 2030, there will be more people 65+ than under 18, reshaping how employers think about life insurance, long-term care and financial protection. In this episode, we’re joined by MB Supplemental and Executive Risk Solutions Consultant, Kristi Winters to break down how supplemental benefits are evolving amid rising costs, limited carrier options and increasing employee need. From the decline of traditional group LTC to the rise of hybrid solutions and voluntary benefits, we unpack what employers and employees need to know now. Tune in to learn how benefits are changing -- and what it means for the future.